0.47%
14.87%
18.23%
30.11%
30.22%
-4.56%
6.74%
AI Spotlight on GLE
Company Description
Société Générale Société anonyme provides banking and financial services to individuals, businesses, and institutional investors in Europe and internationally.It operates through three segments: Retail Banking in France, International Retail Banking and Financial Services, and Global Banking and Investor Solutions.It offers retail banking services, such as consumer credit, vehicle leasing and fleet management, financing of professional equipment, and long-term leasing activities under the Societe Generale, Credit du Nord, and Boursorama brand names; and insurance products, including home, vehicle, family, health, and mortgage insurance.
The company also provides corporate and investment banking, securities, market and investor, financing and consulting, and asset management and private banking services.In addition, it offers security brokerage, equipment finance, cash management, payment services, factoring, and supply chain financing services.The company serves through a network of 1849 branches.
Société Générale Société anonyme was founded in 1864 and is based in Paris, France.
Market Data
| Last Price | 31.2 |
| Change Percentage | 0.47% |
| Open | 31.18 |
| Previous Close | 31.05 |
| Market Cap ( Millions) | 24911 |
| Volume | 652586 |
| Year High | 31.31 |
| Year Low | 19.37 |
| M A 50 | 27.14 |
| M A 200 | 24.57 |
Financial Ratios
| FCF Yield | 49.07% |
| Dividend Yield | 2.88% |
| ROE | 5.37% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -1423.65% |
| Price To Book | 0.37 |
| Price Earnings Ratio | 6.92 |
| Price To FCF | 2.04 |
| Price To sales | 0.43 |
| EV / EBITDA | -12.46 |
News
- Jan -23 - SocGen's Overnight Economic News Summary
- Jan -22 - SocGen's Overnight Economic News Summary
- Jan -21 - SocGen Previews Tuesday's CPI Data in Canada; Comments on Bank of Canada's Business Survey
- Jan -21 - South Africa’s Top Central Banker Says Trump Risks Easing Cycle
- Jan -21 - SocGen's Overnight Economic News Summary
- Jan -20 - SocGen's Overnight Economic News Summary
- Jan -15 - Societe Generale: Half-Year statement on the Liquidity agreement
- Jan -14 - SocGen's Overview of 2025 Sovereign Bond Supply in The Eurozone
- Jan -14 - SocGen's Overnight Economic News Summary
- Jan -10 - SocGen's Overnight Economic News Summary
- Jan -09 - SocGen's Overnight Economic News Summary
- Jan -08 - Societe Generale: shares and voting rights as of 31 December 2024
- Jan -08 - SocGen's Overnight Economic News Summary
- Jan -07 - SocGen's Overnight Economic News Summary
- Jan -02 - SocGen's Overnight Economic News Summary
- Dec -20 - SocGen's Overnight Economic News Summary
- Dec -19 - SocGen's Overnight Economic News Summary
- Dec -18 - SocGen's Overnight Economic News Summary
- Dec -17 - SocGen's Overnight Economic News Summary
- Dec -16 - Societe Generale: shares and voting rights as of 30 November 2024
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> French Retail and Private Banking
Expected Growth : 2.5 %
What the company do ?
French Retail and Private Banking from Société Générale Société anonyme provides personal and business banking services, investment products, and wealth management to individuals and professionals in France.
Why we expect these perspectives ?
Société Générale's French Retail and Private Banking segment growth of 2.5% is driven by increasing demand for digital banking services, expansion of wealth management offerings, and strategic partnerships. Additionally, the segment benefits from a strong brand reputation, a large customer base, and a solid financial position, enabling investments in innovation and customer experience.
Segment n°2 -> Global Markets and Investor Services
Expected Growth : 3.5 %
What the company do ?
Global Markets and Investor Services from Société Générale Société anonyme provides a range of investment and risk management solutions to corporate and institutional clients.
Why we expect these perspectives ?
Société Générale's Global Markets and Investor Services segment growth of 3.5% is driven by increasing demand for hedging and risk management solutions, growth in equity derivatives and prime brokerage, and expansion in Asia-Pacific and Americas regions, supported by strategic acquisitions and investments in digital platforms.
Segment n°3 -> Mobility and Leasing Services
Expected Growth : 2.0 %
What the company do ?
Société Générale's Mobility and Leasing Services provide customized fleet management solutions for companies, including vehicle leasing, fleet financing, and mobility services.
Why we expect these perspectives ?
Société Générale's Mobility and Leasing Services segment growth of 2.0% is driven by increasing demand for alternative mobility solutions, expansion of fleet management services, and strategic partnerships. Additionally, the segment benefits from a growing trend towards sustainable and environmentally friendly transportation options, as well as investments in digitalization and innovation.
Segment n°4 -> International Retail Banking
Expected Growth : 2.8 %
What the company do ?
International Retail Banking from Société Générale Société anonyme provides retail banking services to individuals and small businesses in Europe, Africa, and Asia.
Why we expect these perspectives ?
Société Générale's International Retail Banking growth of 2.8% is driven by a strong presence in emerging markets, particularly in Africa and Eastern Europe, where economic growth and financial inclusion initiatives are boosting demand for banking services. Additionally, the segment benefits from a diversified revenue stream, including fees from payment services and insurance products, as well as a solid cost control strategy.
Segment n°5 -> Financial and Advisory
Expected Growth : 3.2 %
What the company do ?
Société Générale's Financial and Advisory segment provides investment banking, capital markets, and advisory services to corporate and financial institutions.
Why we expect these perspectives ?
Société Générale's 3.2% growth in Financial and Advisory is driven by increasing demand for M&A advisory services, growth in equity and debt capital markets, and expansion in emerging markets. Additionally, the segment benefits from the bank's strong franchise in Europe and its ability to leverage its global network to deliver cross-border transactions.
Segment n°6 -> Corporate Centre
Expected Growth : 1.8 %
What the company do ?
The Corporate Centre of Société Générale Société anonyme is the central headquarters that oversees and coordinates the overall strategy and operations of the company.
Why we expect these perspectives ?
Société Générale's Corporate Centre growth of 1.8% is driven by efficient cost management, optimized resource allocation, and strategic investments in digital transformation. Additionally, the centre's focus on risk management and regulatory compliance has enabled the bank to maintain a strong capital position, supporting its growth momentum.
Segment n°7 -> Insurance
Expected Growth : 2.2 %
What the company do ?
Société Générale Société anonyme's insurance offers a range of products, including life, health, and property insurance, providing financial protection to individuals and businesses.
Why we expect these perspectives ?
Société Générale's 2.2% growth in insurance is driven by increasing demand for life insurance products, expansion in emerging markets, and strategic partnerships. Additionally, the insurer's digital transformation efforts, improved risk management, and cost savings initiatives have contributed to its growth.
Société Générale Société Anonyme Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Société Générale provides a range of retail banking services to individuals, including current and savings accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | Société Générale offers corporate banking services to businesses, including cash management, trade finance, and risk management solutions. |
| Investment Banking | Société Générale provides investment banking services, including mergers and acquisitions, equity and debt capital markets, and leveraged finance. |
| Asset Management | Société Générale offers asset management services, including investment solutions for institutional clients, individual investors, and wealth management. |
| Private Banking | Société Générale provides private banking services, including wealth management, investment advice, and estate planning. |
| Insurance | Société Générale offers insurance products, including life insurance, non-life insurance, and health insurance. |
| Specialized Financial Services | Société Générale provides specialized financial services, including vehicle leasing, fleet management, and consumer finance. |
Société Générale Société anonyme's Porter Forces
Threat Of Substitutes
The threat of substitutes for Société Générale is moderate due to the presence of alternative financial institutions and digital payment platforms.
Bargaining Power Of Customers
The bargaining power of customers is low due to the lack of negotiating power of individual customers and the complexity of financial products.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate due to the presence of multiple suppliers of technology and services, but the high switching costs.
Threat Of New Entrants
The threat of new entrants is high due to the increasing trend of fintech companies and digital banks, which can easily enter the market.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of multiple established players in the market, leading to a highly competitive environment.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 84.78% |
| Debt Cost | 11.61% |
| Equity Weight | 15.22% |
| Equity Cost | 11.61% |
| WACC | 11.61% |
| Leverage | 557.08% |
Société Générale Société anonyme : Quality Control
Société Générale Société anonyme passed 1 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CBK.DE | Commerzbank AG provides banking and capital market services to private and small business customers, multinational groups, financial service providers, and institutional clients worldwide. It operates through two segments, Private and … |
| DANSKE.CO | Danske Bank A/S provides various banking products and services to corporate, institutional, and international clients. The company offers insurance and pension products, mortgage finance and real-estate brokerage services, asset management … |
| SEB-A.ST | Skandinaviska Enskilda Banken AB (publ) provides corporate, retail, investment, and private banking services. It operates through Large Corporates & Financial Institutions, Corporate & Private Customers, Baltic, Life, and Investment Management … |
| BNP.PA | BNP Paribas SA provides a range of banking and financial services in Europe, North America, Asia Pacific, and internationally. The company offers corporate and institutional banking services, such as consulting, … |
| LLOY.L | Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Lloyds Banking
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BNP Paribas
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SEB
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4
Danske Bank
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5
Société Générale
A-Score
1-Year Total Return ->
6
